What your paycheck buys · Updated every Friday

What a paycheck buys in Idaho this week

Out of reach · #46 of 50 on affordability · rate for the week of October 22, 2026

A median Idaho household earning $87,840 a year can afford a home of about $277,000 at this week’s 7.32% average 30-year rate. The median Idaho listing is $593,000, which would take 59.9% of that household’s gross income, against the usual 28% ceiling.

$277,000

Affordable home price

+$1,828 vs. last week · −$5,019 vs. a year ago

$593,000

Median list price (September 2026)

+$10,302 vs. a year earlier

Affordability index (100 = within reach)

U.S. 66 · Idaho 49 a year ago

59.9%

Share of income the median listing takes

$4,383/mo incl. taxes & insurance · U.S. 42.5%

$88,000

Median household income (2025)

U.S. $87,000

#46

Rank of 50 (1 = most affordable)

See the full ranking

Compared with a year ago

A year ago, with the 30-year rate at 6.19%, a median list price of $582,698 and median income of $81,250 (2024 figure), the same household could afford about $282,000 and the median listing took 57.8% of income. Affordability in Idaho has worsened since then.

Nearby in the ranking

#44 Massachusetts: can afford $374,000, median listing $714,000
#45 Wyoming: can afford $256,000, median listing $497,000
#47 Hawaii: can afford $332,000, median listing $732,000
#48 New York: can afford $274,000, median listing $605,000

Run your own numbers →

How this is calculated: 28% of gross monthly income for housing, 10% down, a 30-year fixed loan at Freddie Mac’s weekly average, and 1.45% of the price a year for taxes and insurance. Full method, caveats, and sources on the main index page. An educational gauge, not a mortgage quote.